The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$53,508
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,172
−HK$1,691/mo
Today · 4.125%
HK$56,863
baseline
▲ 0.50% · 4.625%
HK$60,323
+HK$3,460/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$113,726/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,527
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,123
−HK$1,620/mo
Today · 4.125%
HK$62,743
baseline
▲ 0.50% · 4.625%
HK$66,050
+HK$3,307/mo
Deposit HK$11.73M · loan HK$11.73M · min. income ≈ HK$125,486/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$997,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,209
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,207
−HK$2,029/mo
Today · 4.125%
HK$68,236
baseline
▲ 0.50% · 4.625%
HK$72,388
+HK$4,152/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$136,472/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,432
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,348
−HK$1,943/mo
Today · 4.125%
HK$75,291
baseline
▲ 0.50% · 4.625%
HK$79,260
+HK$3,969/mo
Deposit HK$9.39M · loan HK$14.08M · min. income ≈ HK$150,582/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$997,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,911
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,241
−HK$2,367/mo
Today · 4.125%
HK$79,608
baseline
▲ 0.50% · 4.625%
HK$84,452
+HK$4,844/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$159,216/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,338
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,573
−HK$2,267/mo
Today · 4.125%
HK$87,840
baseline
▲ 0.50% · 4.625%
HK$92,470
+HK$4,630/mo
Deposit HK$7.04M · loan HK$16.43M · min. income ≈ HK$175,680/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$997,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,314
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,310
−HK$3,044/mo
Today · 4.125%
HK$102,354
baseline
▲ 0.50% · 4.625%
HK$108,582
+HK$6,228/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$204,708/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,148
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,022
−HK$2,915/mo
Today · 4.125%
HK$112,937
baseline
▲ 0.50% · 4.625%
HK$118,890
+HK$5,953/mo
Deposit HK$2.35M · loan HK$21.12M · min. income ≈ HK$225,874/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$997,291 · Scale 2, in force from 26 Feb 2026)